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anyways, a personal experience of mine. I lost my ATM/Debit card a couple of weeks ago, so i call up my bank (wells fargo) and tell them, "yeah i lost my ATM card (i always speak clearly when dealing with money issues)." and they said "ok new one is one the way." so i finally get some mail from the bank and they sent me a new credit card. i usually only use my credit card on gas because im just tryin to build good credit, so i had to use some discipline and stay home on a friday. oh well.